It was not my mistake but I had to pay the toll

I wonder, how all this happened to me. I'm the only daughter of my parents. Dad is a physician, used to be busy all the day. My mom was an entrepreneur. We never had any monetary trouble. However, life shows different colors at different times and that's a very hard truth. I graduated in the year 2004. I was planning to study and research on AI. But Man proposes God disposes, so goes the saying. My parents got separated suddenly.

Mom used to stay at home most of the time thereafter. I noticed some unusual behavior in her. Finally she needed counseling. Psychiatrist diagnosed her as schizophrenic. Might be this was the reason that dad left us. I tried to contact him. But he left the city, so I ended up in void. I became busy with mom, as she needed continuous observation.

I forgot all about my studies and started to look for some job. The medical bills started piling up to sky high. I got nervous and worried. Gradually all our funds exhausted. I applied for loans. Since our home is a joint property, I could not apply for a secured loan without my dad's consent. So I had nothing but unsecured loans in my hand. It was tough to receive unsecured loan too, because my credit history was not very old.

Suddenly I received a call one day and a lady on the other end told me that I could get $1000 approved within 2 days. All that I have to do, send her $127 (can't recall the exact figure). I sent it out but received nothing. How stupid I was.

Then I got a job in a mall. I had to appoint an attendant for my mom. I have no complaints with my job. I was very lucky that I got it. Then collectors started calling me at my work. Credit card accounts went default and collectors jumped on it. Perhaps they got my work phone # from my home. I told them not to call at my work, and they started disturbing my mother. I informed them she is a mental patient and they yelled at me, called me liar. One told me ‘don't run from your responsibility'. How could they know, how much responsible I am with my mom?

Situation went worse. I had to shift mom to hospital and I made the blunder. I applied for payday loans. It was so easily available that I became fan of it. I wanted one more, then one more and then another. Now I need not say anything, you can clearly see what my situation was. Credit cards under collection and payday loans…worse than the craziest nightmare.

Payday lenders contacted my payroll dept for wage assignment. I got scared. But the payroll dept rep told me that wage assignment is not valid one that I signed. He seemed to be well educated. He referred me to debtconsolidationcare.com, so I visited this site and I'm so glad that I did. I learned a lot from the forums and got immense confidence and support as well. Finally I consolidated my credit card debts and payday loans with the company referred by this site. No collection calls for last 2 days. No calls at work. Thank you debtconsolidationcare team for everything that you've done for me.